Credit Report
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Evaluate your current credit standing with:
- An up-to-date credit report through Experian at no added
cost
- A personal credit score calculated by an independent
scoring service
- A detailed analysis of your personal credit score
Experts recommend that you review your credit report regularly.
The Identity Theft ShieldSM makes it easy.
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Continuous Credit Monitoring
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Suspicious activity will be brought to your attention,
providing you with early detection.
You'll receive prompt notice if alerts are issued from one or
more of the three national credit repositories that:
- New accounts have been opened in your name
- Derogatory notations have been added to your credit report
- Public records have been added to your report
- Inquiries have been made against your report
- A change of address has been requested
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Identity Restoration
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Identity theft can be devastating, and the process of
restoring your name can be overwhelming and costly. You need
more than "do it yourself" information if it happens
to you.
With the Identity Theft ShieldSM a trained expert
will take the steps to restore your name and credit for you!
- Help reduce your out of pocket expenses and time spent
away from work with valuable services from detection to
resolution.
- Fraud alert notifications will be sent on your behalf and
applicable follow up will be done with affected agencies and
institutions, including: credit card companies, financial
institutions, all three credit repositories, Social Security
Administration, Federal Trade Commission, Department of
Motor Vehicles, law enforcement personnel, and the U.S.
Postal Service.
- Proactive searches of applicable local and national
databases will be made on your behalf to look for
information you may not be aware of, including: criminal
activity in your name in your county's records and certain
federal watch lists, Department of Motor Vehicle records in
your state, unknown addresses affiliated with your name, and
banking activity in your name reported as fraudulent
*Additional Information & Exclusions
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Additional Information and Exclusions
Identity Restoration will not apply if the
identity theft is the result of a dishonest, criminal, malicious, or
fraudulent act you, your spouse, or your child participated in,
directed, or had knowledge of. Restoration services will not be provided
for a known stolen identity event that occurred prior to enrollment
date. You must be an active member to receive restoration services.
Services provided do not cover financial losses arising from the
identity theft. A signed limited power of attorney must be provided to
Kroll when an Identity Theft Restoration case is opened in order for
Kroll to work on your behalf and/or provide the Proactive Database
Searches listed. A stolen identity event does not include the theft or
unauthorized or illegal use of your business name, d/b/a, or any other
method of identifying your business activity.
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